A client of mine received a call from a credit clean-up agency. For $1,500 the agency said they’d remove hard inquiries from her credit reports and other things to help boost her credit score.
I said save your money. I’ll guide you on how you can clean up anything that can be remedied.
Per Experian, “Disputing hard inquiries on your credit report involves working with the credit reporting agencies and possibly the creditor that made the inquiry. Hard inquiries can’t be removed, however, unless they’re the result of identity theft. Otherwise, they’ll have to fall off naturally, which happens after two years.”
For starters, you can request your credit reports, with the three credit reporting agencies, for free every 12 months.
Here’s where you go…
To get all three credit reports at one stop:
Or to pull each report separately, go to:
Is your credit report littered with debt you want to pay off, but you feel you’re living paycheck to paycheck already?
You’re not alone. I can help you.
Schedule a free money breakthrough session with me today to start building your personalized money plan.